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Medicare Supplement Insurance Plans in West Virginia


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What is a Medicare Supplement insurance plan?

Original Medicare, Part A and Part B, comes with out-of-pocket costs. For example, there are copayments, coinsurance, and deductibles that you may need to pay if you get medical services or supplies. Medicare Supplement (also known as Medigap) insurance plans in West Virginia may help pay some of these out-of-pocket costs. The same is true in other states.

Medicare Supplement insurance plans in West Virginia are available from private insurance companies and are designed to work in combination with Original Medicare. Medicare Supplement insurance plans are provided by insurance companies that charge a monthly premium for the coverage. Medigap plans don’t typically cover prescription medications. If you need prescription drug coverage, you can enroll in a Medicare Part D Prescription Drug Plan as well.

Medicare Supplement insurance plan choices in West Virginia

In most states, including West Virginia, there are 10 standardized Medigap plans that cover varying portions of your Original Medicare out-of-pocket costs. Each Medigap plan type is named with a letter, such as Medigap Plan L. Each lettered Medigap plan type includes the same benefits as any other plan of the same letter, no matter where you buy the plan. For example, if you enroll in a Medigap Plan L in Marshall County, the benefits are the same as you’d get with a Medigap Plan L in Ritchie County. The 10 standardized Medigap plans cover varying portions of Medicare Part A and Part B out-of-pocket costs, and some Medigap policies help cover emergency medical costs when you’re traveling outside the United States.

If you want to enroll in a Medigap plan, a good time to do so may be your Medigap Open Enrollment Period (OEP). This six-month period begins the month that you’re both age 65 or over and enrolled in Medicare Part B. During this time period, you can generally sign up for any Medigap plan that’s available in your part of West Virginia, and the plan has to accept you as a member even if you have pre-existing health conditions. If you apply for a Medigap plan after your Medigap OEP is over, in most cases the insurance company offering the policy can review your medical history and decide whether to accept your application. You can read more about Medicare Supplement insurance plans.

Although every Medigap policy of the same letter name offers the same coverage as explained above, costs and availability of all Medigap plans in West Virginia may vary throughout the state, as it does in other states.

Selecting Medicare Supplement insurance plans in West Virginia

When comparing Medicare Supplement insurance plans in West Virginia, it may be helpful to begin by thinking about how often you go to the doctor or receive any Medicare services. Some Medigap policies pay your entire Medicare Part B copayment each time you visit the doctor. You may want to compare all of a plan’s features to find one that fits your needs.

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